>...all your deposits and interests disappear with it
The US, EU and many other countries have deopsit insurance* schemes that limit risk to depositors. You may not get all your money back if you have large deposits, but for example in the EU you're generaly guaranteed to get at least the first 50,000 Euros.
This isn't better. It encourages savers to be reckless in their choice of bank, and thus banks to be reckless in their lending policies, because the profits of risky loans are privatised while the losses are socialised. The ultimate loser is everybody, because the cycle of bank bailouts can only be sustained by printing money, devaluing everyone's savings and damaging the economy by degrading economic signals. You might think you reap a benefit by being able to trust the security of your deposits, but trust me, any benefit is on average far, far outweighed by the costs.
There is no way not to be the potential victim of this, because bank customers do not have enough information to determine whether a bank is sound or not. Worse, soundness is dependent on what everyone else is doing; a bank can be fine one day then destroyed due to a bank run. Risk is hard to deaggregate in the mortgage business because house prices all move together.
You're onto something with "profits of risky loans are privatised while the losses are socialised", but bitcoin really isn't a good solution to that.
any benefit is on average far, far outweighed by the costs
A cost-benefit analysis with no numbers! Convincing!
bank customers do not have enough information to determine whether a bank is sound or not.
Bullshit. Customer reviews, third party audits, history and reputation, secondary signals (quality of website, customer support, advertising, quality of investors). The list goes on [1] Your only limit is your imagination and your confidence in the intelligence of your species my friend. You've been tricked by the miserable current state of banking (a product of socialist intervention) into thinking that this is the way banks are and must be. You'd see how quickly things will change when a) banks live and die by their reputation b) anyone can build a bank from anywhere to service the world (enabled by Bitcoin.)
bitcoin really isn't a good solution to that.
Why not? Bitcoin supersedes political violence. No government can order more of it to be created at gunpoint. Therefore there is no way to enact "backdoor" taxes (inflation) to support inherently-broken schemes such as socialised deposit insurance. The only way is frontdoor taxation, which people are far better at measuring and disliking. The success of Bitcoin would cut off the last life support tube for dysfunctional government
[1] Yes, I know you'll have point by point reasons why each one of those techniques is somehow uniquely impossible to work with the 100% success rate uniquely required by this and all other regulated industries (health, inter-city transport et al), which for some reason work just fine in the industries which escape regulation (online commerce for instance) which for some reason are much more forgiving.
Devaluing savings is good for society. Savings are fundamentally antidemocratic; unconstrained savings inevitably result in the capture of economic output by a rentier class, destroying productivity and entrenching a permanent aristocracy.
Unconstrained maybe, but savings as such aren't at all undemocratic. Savings are a primary source of investment and a cushion against unforseen adversity. I've read Pikety's material on this and he has a point about some aspects of the problem, but his proposed remedies are a sledgehammer to crack a nut, and would likely end up hitting the wrong nut anyway.
I'm not arguing for anything super-radical - ordinary (i.e. small but nonzero) inflation, inheritance taxes, taxing investment income (both capital gains and things like land value) more like labour income (e.g. use the same tax brackets, and tax based on market value like we do for non-monetary employment benefits, rather than the weird "recognizing gains" system we have at the moment), and cutting the use of trusts to avoid tax.
The US, EU and many other countries have deopsit insurance* schemes that limit risk to depositors. You may not get all your money back if you have large deposits, but for example in the EU you're generaly guaranteed to get at least the first 50,000 Euros.
* http://en.wikipedia.org/wiki/Deposit_insurance